Cottage / Storybook home in Jacksonville, FL
This Cottage home in Jacksonville, FL offers 3 bedrooms and 3 bathrooms across 1,995 square feet. The listing highlights swimming pool, deck / patio, and fireplace.
| Price | $445,000 |
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| Beds | 3 |
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| Baths | 3 |
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| Sqft | 1995 |
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| Architectural style | Cottage / Storybook (46% match) |
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| Address | 13004 Twin Pines Circle S, Jacksonville, FL 32246 |
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Why buy this home
- Confirmed Cottage / Storybook architecture, matched from the listing photos by Enzo's vision model.
- Features: deck / patio, fireplace, swimming pool.
- Links directly to the original source listing on Estately.
Is this a good buy?
Priced above comparable homes.
- At $445K, this home is 93% above the $230K median for 286 similar Cottage / Storybook homes in Jacksonville, FL.
- That works out to $223 per square foot, 23% above the $182 comparable rate.
- On the market 18 days.
| This home | $445,000 |
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| Cottage / Storybook median in Jacksonville, FL | $230,000 (286 homes) |
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| Price per sq ft | $223 vs. $182 comps median |
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Enzo's reads public listing data and links to the original source. Confirm condition, HOA, taxes and fees there. This is a signal, not advice.
What it costs to own
Estimated at $2,940/month with 20% down at a 7.28% 30-year fixed rate. You would need about $126,006 in gross annual income to keep housing within a 28% ratio.
| Mortgage (P&I) | $2,436/mo |
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| Property tax (new-buyer reassessed rate) | $337/mo |
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| Homeowners insurance | $167/mo |
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| Total monthly | $2,940/mo |
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| Down payment (20%) | $89,000 |
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| Income needed | $126,006/yr |
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A signal to compare homes, not financial advice or a loan offer.
Financial outlook (modeled)
Enzo's grades this home B- (68 out of 100) over a 5-year hold, from a Monte-Carlo of local home-price dynamics and the interest-rate path versus renting.
| Grade | B- (68/100) |
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| Beats renting in | 22% of modeled paths |
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| Modeled 5-yr equity (median) | $230,895 |
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| Range (10th to 90th pct) | $142,533 to $337,474 |
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A probabilistic model built on public data (Zillow ZHVI, FRED rates), not a guarantee or financial advice. Local price dynamics are pooled toward Jacksonville, FL where local data is thin.
Local home values
Typical home values in Jacksonville, FL have risen about 18% over the past 5 years (0% in the last year), per the Zillow Home Value Index. This reflects the metro market, not this specific home.
View this home on Estately